HomeFloridaPinellas CountyPalm Harbor CDP
Palm Harbor CDP, Florida: commercial real estate data.
Palm Harbor CDP is a Census CDP of 61,512 people across 17.36 square miles of land, in Pinellas County. Median household income is $78,935, 77.9 percent of occupied homes are owned, and the SBA record carries 104 7(a) approvals to borrowers here worth $53.3 m.
77 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Palm Harbor
What Palm Harbor is
- Census place typeCDP
- Land area17.36 sq mi
- Water area10.74 sq mi
- Population per square mile of land3,543
- County holding the largest share of its areaPinellas County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palm Harbor
How many people live in Palm Harbor
- Population61,512
- Median age50.9
- Population under 1810,471
- Share under 1817.0 percent
- Population 65 and over17,566
- Share 65 and over28.6 percent
- Households27,154
- Family households16,930
- Share of households that are families62.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palm Harbor
Income and work in Palm Harbor
- Median household income$78,935
- Per capita income$50,106
- Civilian labor force30,290
- Employed29,303
- Unemployed987 plus or minus 285
- Unemployment rate3.3 percent plus or minus 0.9
- Adults 25 and over47,535
- Adults 25 and over with a high school diploma or higher96.0 percent
- Adults 25 and over with a bachelor degree or higher40.6 percent
- Adults 25 and over with a graduate degree13.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palm Harbor
Housing in Palm Harbor
- Housing units30,595
- Occupied units27,154
- Vacant units3,441
- Vacancy rate11.2 percent
- Owner occupied21,141
- Renter occupied6,013
- Ownership rate77.9 percent
- Median owner-occupied home value$405,300
- Median gross rent, monthly$1,806
- Annual rent as a share of median income27.5 percent
- Single family units19,951
- Share single family65.2 percent
- Units in buildings of two or more8,385
- Share in buildings of two or more27.4 percent
- Mobile homes2,166
- Median year structure built1985
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palm Harbor
How Palm Harbor gets to work
- Workers 16 and over who commute22,158
- Commuting under 15 minutes5,168
- Share commuting under 15 minutes23.3 percent
- Commuting 30 minutes or more8,658
- Share commuting 30 minutes or more39.1 percent
- Drove alone68.0 percent
- Carpooled5.2 percent
- Public transport0.2 percent plus or minus 0.2
- Walked0.6 percent plus or minus 0.4
- Worked from home23.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palm Harbor
SBA loans in Palm Harbor (7(a))
- Approvals104
- Gross approval$53,344,300
- Average approval$512,926
- Median approval$295,000
- Ninetieth percentile approval$850,000
- Largest approval$5,000,000
- Jobs supported1,165
- Jobs per approval11.2
- Loans with a final outcome22
- Paid in full20
- Charged off2
- Charge-off rate over resolved loans9.1 percent
- Median term120 months
- Share on real estate terms of 20 years or more5.8 percent
- Share to franchises29.8 percent
- Distinct lenders46
- Distinct industries by NAICS63
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Palm Harbor
SBA loans in Palm Harbor (504)
- Approvals24
- Gross approval$9,425,000
- Average approval$392,708
- Median approval$353,000
- Largest approval$986,000
- Jobs supported136
- Loans with a final outcome9
- Charged off0
- Median term300 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Pinellas County, not Palm Harbor
Pinellas County context, not Palm Harbor figures
These are Pinellas County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Palm Harbor measurements.
- Establishments in Pinellas County32,509
- Employment at those establishments, Pinellas County425,004
- Covered employment, Pinellas County447,680
- Average annual pay, Pinellas County$67,519
- Average weekly wage, Pinellas County$1,298
- Housing units permitted, Pinellas County2,627
- Of those, single family, Pinellas County1,135
- County product, 2024, Pinellas County$78,130,648,000
- County product change over the prior year, Pinellas County5.3 percent
- Average income of an arriving household, Pinellas County$109,940
Every figure in this section is published for Pinellas County as a whole and is not a measurement of Palm Harbor. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Palm Harbor questions, answered from the record.
How many people live in Palm Harbor, Florida?
61,512, in 27,154 households. Palm Harbor CDP covers 17.36 square miles of land, which is 3,543 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Palm Harbor in?
Pinellas County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Palm Harbor?
$78,935. The median owner-occupied home is valued at $405,300. Median gross rent is $1,806 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Palm Harbor businesses?
104 7(a) approvals totalling $53.3 m, across 46 lenders, median approval $295,000, plus 24 504 approvals worth $9.4 m. These count approvals to borrowers whose address is in Palm Harbor, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Palm Harbor borrowers get paid back?
Of the 22 loans that have reached a final outcome, 20 were paid in full and 2 charged off, a charge off rate of 9.1 percent. Loans still running are excluded because they have not yet succeeded or failed.
Are the county figures on this page Palm Harbor figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Pinellas County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Palm Harbor.
Is zoning published for Palm Harbor?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.